Cookies

Cookies - what they are?

Cookies are small files that are stored by your web browser as you use the web.

They are designed to hold a tiny amount of data to allow websites to do things like remember your settings, whether you are logged in or not or whether you have visited the site before.

To use our website, you must accept that we will place and access cookies on your device/computer.

By using our website you agree that we can place and access cookies on your device/computer.

How and why this site uses cookies.

This website makes use of cookies for the following reasons.

Session cookies

Webpages have no memories. A user going from page to page will be treated by the website as a completely new visitor. Session cookies enable the website you are visiting to keep track of your movement from page to page so you don't get asked for the same information you've already given to the site. Cookies allow you to proceed through many pages of a site quickly and easily without having to authenticate or reprocess each new area you visit.

Session cookies allow users to be recognized within a website so any page changes or item or data selection you do is remembered from page to page. The most common example of this functionality is the shopping cart feature of any e-commerce site. When you visit one page of a catalog and select some items, the session cookie remembers your selection so your shopping cart will have the items you selected when you are ready to check out. Without session cookies, if you click CHECKOUT, the new page does not recognize your past activities on prior pages and your shopping cart will always be empty.

You can adjust your session cookies through the settings feature of your browser.

Web AnalyticsCookies

In common with most websites we use a system to measure the amount of traffic to our site.

Analytical cookies allow us to recognise and to count the number of visitors to our website, to see how visitors move around the website when they are using it and to record which content viewers view and are interested in.

This helps us to determine how frequently particular pages and advertisements are visited and to determine the most popular areas of our website and/or services.

This helps us to improve the service which we offer to you by helping us make sure our users are finding the information they are looking for, by providing anonymised demographic data to third parties in order to target advertising more appropriately to you, and by tracking the success of advertising campaigns on our website.

Google Analytics uses cookies to help the website analyse how users use the website. The information generated by the cookies about your use of the website and your current IP-address will be transmitted by your browser to and will be stored by Google on servers in the United States and other countries.

Google will use this information on our behalf to evaluate your use of the website, compile reports on website activity and provide us with other services relating to website activity and internet usage.

Google Analytics sets the following cookies.

Organisation setting the cookie

Name of cookie

What does it do?

How to reject/delete these cookies?

Google Analytics

_utma

This cookie helps us determine the number of unique visitors to our website. This cookie expires after 2 years.

You may reject or delete these cookies by downloading and installing the Google Analytics Opt-out Browser Add-on available here

Google Analytics

_utmz

This cookie helps us determine the referral method for people visiting our website. This helps us to analyse the traffic arriving at our website and to determine which are the most popular routes (e.g. direct, search engine search, email link). This cookie expires after 6 months.

You may reject or delete these cookies by downloading and installing the Google Analytics Opt-out Browser Add-on available here

Google Analytics

_utmb

We use this Google Analytics cookie to help us to record the length of individual sessions from our users on our website. Each time you move to a new page within our website within 30 minutes of arriving the cookie updates so that we know that you are still actively using our website within a single session. These cookie expires when a user pauses for longer than 30 minutes on a single page of our website.

You may reject or delete these cookies by downloading and installing the Google Analytics Opt-out Browser Add-on available here

Google Analytics

_utmc

Similar to _utmb, we use this Google Analytics cookie to help us record the length of individual sessions on our website. This cookie expires when you close your browser.

You may reject or delete these cookies by downloading and installing the Google Analytics Opt-out Browser Add-on available here

Third-party Advertising Cookies

We use third-party advertising companies to serve ads when you visit our Website. These companies may also use cookies, over which we have no control.

These cookies may be are used to deliver adverts that are more relevant to you and your interests.

They are also used to limit the number of times you see an advert as well as help measure the effectiveness of the advertising campaign.

They remember that you have visited a website and this information is shared with other organisations such as advertisers.

Google Adsense

Some of our webpages may use Google ads - more information is available below.

Cookie shown as from

Description

Expires

doubleclick

Google uses the DoubleClick cookie on AdSense sites, partner sites and certain Google services to serve more relevant ads across the web and limit the number of times a given ad is shown to you. When you visit a website, view an ad, or click an ad supported by Google's advertising services, it may set a cookie on your browser. This advertising cookie will appear in your browser as coming from the domain "doubleclick.net.

2 years

Mediaplex

Mediaplex provides products and services to deliver and track advertisements and marketing messages over the Internet on behalf of clients such as advertisers, marketers and website publishers ("Clients"). Advertisements and communications sent through Mediaplex products and services derive from the sending Client, with Mediaplex acting as the delivery agent.

If you don’t want cookies placed on your computer, you can change your browser settings to either reject all cookies; to only allow “trusted sites” or only accept cookies from the site(s) you are currently on.

You can disable cookies on your computer by changing the preferences or options menus in your browser. Instructions for disallowing cookies can usually be found in the browser's 'Help' menu. However, some parts of our website will not operate correctly if you disable cookies.

Browser Settings

All major browsers allow you to manage the cookies that they accept and store.

To find out how to use these options please follow the appropriate link for you browser:

For more detailed information about cookies visit www.allaboutcookies.org which provides guidance on how to control cookies. You will also find links to the cookie policies of our technology partners where, if possible, you can control cookies they place more easily.

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Other Information

The contents of this website are intended to be used for information/educational purposes only and relates to legislation in the UK. We are not financial advisers and are not regulated by the Financial Conduct Authority. This website contains no advice or personal recommendations. Do not rely solely on the information contained in this website to make decisions about the future of your pension funds or other investments. Although we try to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on suchinformation is therefore strictly at your own risk. If you need advice, you can click on the appropriate sponsor links shown or talk to a financial adviser of your own choice directly.